#cristian_ach-payment-methods
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tired pendant
Hi 👋
If you update the Customer's invoice_settings.default_payment_method then the Invoice should be retried if you are using the charge_automatically collection method. If your invoice is set to send_invoice then you will need to send the Invoice URL to the customer again.
obtuse bramble
Yes, the subscription is being created with charge_automatically, so Stripe recognizes that the payment method has changed and it will retry automatically?
tired pendant
Correct. Stripe will automatically attempt payment on the Invoice once you update the Customer's default payment method.
obtuse bramble
And if the customer wants to retry their payment method, how many attempts would it be safe to allow the customer to retry for card and ACH?
tired pendant
What do you mean by "if the customer wants to retry"? These retries are automatic through Stripe. Unless you build a feature into your integration to allow the user to trigger payment.
obtuse bramble
e.g. The customer has added a credit card and it has been validated.
We create a subscription with that card off-session but for some reason the payment fails something like insufficient limit/funds, etc.
The customer has 23 hours before the subscription moves to incomplete_expired.
We could wait for the smart retry to attempt again, or allow the customer to manually retry
tired pendant
I think that would depend on the specifics of the error message returned
It's hard to talk about this entirely in the abstract. Do you have an example payment that failed?
obtuse bramble
but is there a limit of attempts recommended to maintain a good standing with the network?
obtuse bramble
It's hard to talk about this entirely in the abstract. Do you have an example p...
No concrete case, we are designing payment failures and how we will handle them in our platform
tired pendant
That isn't something I can advise on. If you send, like 1000x attempts per hour it would likely be flagged as card testing but outside of those scenarios I think you would just need to seem like humans (e.g. make a failed attempt, update payment methods and try again).
obtuse bramble
Hmmm
So it would be safe to allow a customer to keep retrying a payment method multiple times without worrying about consequences from the network, as long as it doesnt seems automated? We will have some soft limits to avoid abuse
I remember a couple of years ago there was some limits on the attempts for an incomplete subscription but I cant seem to find the number in the documentation
tired pendant
Especially if you are dealing with a payment method like an ACH debit and the customer may be attempting to pay before funds settle in their account. That would seem reasonable to me.
obtuse bramble
Yeah, with manual ACH these transactions can take hours or days, so I dont think it will be a problem since we can just disable the retry option while a payment intent is processing
And my last question, Is an Instant ACH (where you link your account, not by microdeposits) charge processed instantly like credit cards?
tired pendant
Instant ACH vs microdeposits are just pertaining to the verification of the account, not the speed of funds transfers
obtuse bramble
Yeah, we thought that, just wanted to confirm
tired pendant
I know we are working on enabling real time debits since the US treasury has started rolling that out but adoption by banks isn't very well established yet
obtuse bramble
also I assume it varies by bank
obtuse bramble
I know we are working on enabling real time debits since the US treasury has sta...
Thats cool!
I think this answers all my questions, thank you for your time Snufkin!
have a nice weekend 🙂
tired pendant
Great 🎉 I'm happy we could help 🙂